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Replacement car after an accident - how to get it?

It is the responsibility of each car owner to pay an insurance fee that protects the driver from the many costs associated with a collision or accident. It is thanks to civil liability that the perpetrator's insurer can be burdened with them. What if the car has been so badly damaged that the driver is forced to arrange a replacement car? How to proceed in such a situation and when you can count on the costs associated with a temporarily rented vehicle?

Replacement car with MTPL of the perpetrator - for what period of time is such a car entitled?

Quite a difficult and complicated option, which can be applied for by people after an accident, is a substitute car from the perpetrator's civil liability. For a long time the battle with the insurance company was unbeatable, but everything changed after the resolution passed by the Supreme Court, which clearly orders that the reimbursement of the cost of a replacement car does not only apply to people who have a business, but also to private individuals, who do not have to explain what the vehicle is actually used for.

Despite the Act, insurance companies are often problematic and examine whether the reimbursement of costs is justified. If the injured party has one more car, this will already be a ground for refusing to return. The same applies to a car that was used occasionally. It is also not worth choosing a replacement vehicle, which is significantly different from the damaged one, because it can also be refused. Assuming that a replacement car with an OC of the perpetrator will be allocated, it is worth knowing how long the driver can afford to use it. A replacement vehicle is available to the injured party as long as it is not repaired by the injured party or until the injured party decides to buy a new one. In the event that the car is completely cancelled, insurers often consider that the injured party can make use of the replacement option until the date of payment of compensation.

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Where can I rent such a car?

A replacement car with the perpetrator's liability can be easily and quickly rented from virtually any rental company that cooperates with an insurance company. Remember to keep the car as close as possible to the one that collided. This option should also be available from authorized, well-equipped repair shops. A very safe solution is simply to contact the insurer, who will show you the place where you can rent it. What's more, renting such a car can often involve a lot of money, so it's worth looking for a place to collect money directly from the insurer.

What is worth remembering?

In the case of a collision, it is, of course, worth trying to get a replacement car from the perpetrator's MTPL. The length of time depends on the type of faults in the car. It is worthwhile, however, to keep all possible documents and bills which may help to resolve such a situation during the insurance company's proceedings. The MTPL of the perpetrator can also cover the costs of towing or all the expenses that will be associated with the lack of a car. Therefore, when completing the documentation, do not forget to attach a taxi bill, which took the injured person from the place of the accident.

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